Woman: ​How many beers a day?​​
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Man: ​ ​ ​Usually about three.​​
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Woman: ​ ​How much do you pay per beer?​
​
Man: $5.00 which includes a tip

Woman: ​ ​And how long have you been drinking?​​
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Man: ​ ​About 20 years, I suppose.​​
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Woman:​​​ So a beer costs $5.00 and you have 3 beers a day which puts your spending each month at $450.00. In one year, it would be approximately $5,400.00 correct?​

​Man: ​ ​ ​Correct​
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​Woman: ​ ​If in one year you spend $5400.00, not accounting for inflation, the past 20 years puts your spending at $108,000.00 correct?​​
​​
Man:​ ​Correct​​
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Woman:​ ​Do you know that if you didn't drink so much beer, that money could have been put in a step-up interest savings account and after accounting for compound interest for the past 20 years, you could have now bought a Ferrari?​